RPE Home in Michigan vs the state
10.5%Denial rate-8.07 pts vs state
19.4%Decision denial rate-3.14 pts vs state
40.3%Origination rate-19.59 pts vs state
11.00%Median rate+4.25 pts vs state
—Rate spread (pts)
—Median applicant income
27Loans originated
7Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 335 | 60 | 32.5% | 11.50% | #150 |
| 2025 | 67 | 27 | 10.5% | 11.00% | #321 |
What RPE Home lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most RPE Home applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wayne County | 42 | 15 | 6 | 14.3% |
| Macomb County | 5 | 1 | 0 | 0.0% |
| Oakland County | 4 | 2 | 0 | 0.0% |
| Kent County | 3 | 2 | 0 | 0.0% |
| Muskegon County | 3 | 2 | 0 | 0.0% |
| Berrien County | 2 | 1 | 0 | 0.0% |
| Van Buren County | 2 | 2 | 0 | 0.0% |
| Kalamazoo County | 1 | 0 | 0 | 0.0% |
| Livingston County | 1 | 1 | 0 | 0.0% |
| Ingham County | 1 | 0 | 0 | 0.0% |
Other large lenders in Michigan
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 30,644 | 16.3% | 6.75% |
| United Shore Financial Services | B | 29,330 | 11.7% | 6.60% |
| The Huntington National Bank | D | 20,047 | 30.0% | 7.49% |
| Lake Michigan Credit Union | A | 16,662 | 5.6% | 6.75% |
| Fifth Third Bank | D | 11,176 | 26.4% | 7.50% |
| 21st Mortgage | F | 7,424 | 53.4% | 11.04% |
| Citizens Bank | C | 6,592 | 29.0% | 7.65% |
| Triad Financial Services | D | 6,426 | 56.1% | 8.49% |
| Union Home Mortgage | B | 5,303 | 4.3% | 6.75% |
| PNC Bank | D | 5,161 | 26.3% | 7.36% |
Frequently asked questions
Michigan: 67 applications in 2025, of which 27 were originated and 7 denied.
10.5% of all applications, or 19.4% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans RPE Home originated in Michigan in 2025 was 11.00%, against a statewide median of 6.75%.
About this data. Figures are RPE Home's own HMDA filing for properties located in Michigan, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology